Shareplus Bank Mortgage Lending & HMDA Data, 2014
In 2014, Shareplus Bank of Plano, TX reported 399 mortgage applications totaling $105.1 million. The average application was for $263,360, and applicants reported an average income of $130,897. 50% of its applications resulted in an originated loan and 5% were denied. Its largest markets were Dallas-Plano-Irving, TX (178), Fort Worth-Arlington, TX (23) and Austin-Round Rock, TX (17) (applications in parentheses).
| Mortgage Company & Address | Shareplus Bank 5224 W Plano Parkway Plano, TX 75093 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 |
| Total Number of Mortgage Applications | 399 |
| Total Mortgage Loan Application Amount | $105,081,000 |
| Average Mortgage Loan Application Amount | $263,360 |
| Highest Mortgage Loan Application Amount | $4,351,000 |
| Average Applicant Income | $130,897 |
| Highest Applicant Income | $3,070,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Shareplus Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Dallas-Plano-Irving, TX | 178 | $ 64,062,000 | $ 359,898 | $ 219,000 |
| Fort Worth-Arlington, TX | 23 | $ 5,592,000 | $ 243,130 | $ 147,000 |
| Austin-Round Rock, TX | 17 | $ 3,603,000 | $ 211,941 | $ 12,000 |
| San Antonio-New Braunfels, TX | 15 | $ 2,830,000 | $ 188,666 | $ 66,000 |
| Midland, TX | 9 | $ 1,683,000 | $ 187,000 | $ 0 |
| Lafayette, LA | 7 | $ 859,000 | $ 122,714 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 6 | $ 1,341,000 | $ 223,500 | $ 110,000 |
| Louisville/Jefferson County, KY-IN | 6 | $ 1,011,000 | $ 168,500 | $ 68,000 |
| Atlanta-Sandy Springs-Roswell, GA | 5 | $ 1,474,000 | $ 294,800 | $ 195,000 |
| Sherman-Denison, TX | 5 | $ 542,000 | $ 108,400 | $ 43,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 465,000 | $ 93,000 | $ 30,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 4 | $ 465,000 | $ 116,250 | $ 12,000 |
| College Station-Bryan, TX | 3 | $ 387,000 | $ 129,000 | $ 0 |
| New Orleans-Metairie, LA | 3 | $ 444,000 | $ 148,000 | $ 19,000 |
| Odessa, TX | 3 | $ 504,000 | $ 168,000 | $ 0 |
| Tulsa, OK | 3 | $ 1,431,000 | $ 477,000 | $ 144,000 |
| Tyler, TX | 3 | $ 447,000 | $ 149,000 | $ 13,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 226,000 | $ 113,000 | $ 0 |
| Baton Rouge, LA | 2 | $ 315,000 | $ 157,500 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 944,000 | $ 472,000 | $ 292,000 |
| Killeen-Temple, TX | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Longview, TX | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Monroe, LA | 2 | $ 232,000 | $ 116,000 | $ 0 |
| Montgomery, AL | 2 | $ 158,000 | $ 79,000 | $ 0 |
| Oklahoma City, OK | 2 | $ 160,000 | $ 80,000 | $ 46,000 |
| Orlando-Kissimmee-Sanford, FL | 2 | $ 325,000 | $ 162,500 | $ 0 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 439,000 | $ 219,500 | $ 91,000 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 199,000 | $ 99,500 | $ 74,000 |
| Albuquerque, NM | 1 | $ 187,000 | $ 187,000 | $ 55,000 |
| Beaumont-Port Arthur, TX | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 1 | $ 257,000 | $ 257,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 266,000 | $ 266,000 | $ 0 |
| Chicago-Naperville-Arlington Heights, IL | 1 | $ 480,000 | $ 480,000 | $ 2,731,000 |
| Columbus, OH | 1 | $ 293,000 | $ 293,000 | $ 0 |
| Corvallis, OR | 1 | $ 153,000 | $ 153,000 | $ 0 |
| Dothan, AL | 1 | $ 87,000 | $ 87,000 | $ 0 |
| Dover, DE | 1 | $ 232,000 | $ 232,000 | $ 40,000 |
| Dubuque, IA | 1 | $ 141,000 | $ 141,000 | $ 111,000 |
| Dutchess County-Putnam County, NY | 1 | $ 196,000 | $ 196,000 | $ 58,000 |
| Erie, PA | 1 | $ 118,000 | $ 118,000 | $ 0 |
| Eugene, OR | 1 | $ 223,000 | $ 223,000 | $ 0 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 110,000 | $ 110,000 | $ 99,000 |
| Flagstaff, AZ | 1 | $ 311,000 | $ 311,000 | $ 0 |
| Florence, SC | 1 | $ 81,000 | $ 81,000 | $ 0 |
| Hammond, LA | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 66,000 | $ 66,000 | $ 101,000 |
| Lake Charles, LA | 1 | $ 118,000 | $ 118,000 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 580,000 | $ 580,000 | $ 230,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Prescott, AZ | 1 | $ 137,000 | $ 137,000 | $ 0 |
| Salem, OR | 1 | $ 185,000 | $ 185,000 | $ 0 |
| San Angelo, TX | 1 | $ 239,000 | $ 239,000 | $ 0 |
| Shreveport-Bossier City, LA | 1 | $ 221,000 | $ 221,000 | $ 0 |
| State College, PA | 1 | $ 167,000 | $ 167,000 | $ 0 |
| Staunton-Waynesboro, VA | 1 | $ 229,000 | $ 229,000 | $ 0 |
| Victoria, TX | 1 | $ 169,000 | $ 169,000 | $ 0 |
| Yuba City, CA | 1 | $ 155,000 | $ 155,000 | $ 0 |
Mortgage Loan Application Detail Totals for Shareplus Bank in 2014
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 342 | $85,252,000 | $249,000 | $2,763,000 | $119,000 | $3,070,000 |
| Refinancing | 50 | $19,523,000 | $390,000 | $4,351,000 | $211,000 | $3,021,000 |
| Home Improvement | 7 | $306,000 | $43,000 | $75,000 | $140,000 | $208,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 180 | $60,361,000 | $335,000 | $4,351,000 | $208,000 | $3,070,000 |
| Not applicable | 155 | $25,248,000 | $162,000 | $482,000 | $0 | $0 |
| Not Provided | 21 | $5,980,000 | $284,000 | $1,000,000 | $162,000 | $490,000 |
| Asian | 19 | $7,935,000 | $417,000 | $2,763,000 | $287,000 | $2,134,000 |
| Hispanic | 12 | $2,892,000 | $241,000 | $497,000 | $406,000 | $2,731,000 |
| Black or African American | 9 | $2,179,000 | $242,000 | $412,000 | $123,000 | $260,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $408,000 | $204,000 | $232,000 | $57,000 | $74,000 |
| American Indian or Alaskan Native | 1 | $78,000 | $78,000 | $78,000 | $39,000 | $39,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 220 | $75,634,000 | $343,000 | $4,351,000 | $230,000 | $3,070,000 |
| FHA-insured (Federal Housing Administration) | 174 | $28,046,000 | $161,000 | $482,000 | $8,000 | $202,000 |
| VA-guaranteed (Veterans Administration) | 5 | $1,401,000 | $280,000 | $362,000 | $84,000 | $100,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 200 | $69,961,000 | $349,000 | $4,351,000 | $219,000 | $3,021,000 |
| Loan Purchased By The Institution | 155 | $25,248,000 | $162,000 | $482,000 | $0 | $0 |
| Application Withdrawn By Applicant | 19 | $4,137,000 | $217,000 | $556,000 | $288,000 | $3,070,000 |
| Application Denied By Financial Institution | 18 | $4,064,000 | $225,000 | $1,009,000 | $93,000 | $366,000 |
| Application Approved But Not Accepted | 4 | $1,277,000 | $319,000 | $650,000 | $223,000 | $651,000 |
| File Closed For Incompleteness | 3 | $394,000 | $131,000 | $299,000 | $188,000 | $208,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 9 | $1,809,000 | $201,000 | $1,009,000 | $102,000 | $366,000 |
| Debt-To-Income Ratio | 6 | $1,501,000 | $250,000 | $362,000 | $62,000 | $98,000 |
| Collateral | 2 | $554,000 | $277,000 | $500,000 | $139,000 | $154,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $200,000 | $200,000 | $200,000 | $95,000 | $95,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Shareplus Bank's 2014 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Shareplus Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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